Letter to make a claim for equal liability from a credit provider by Citizens Advice
Updated 3 November 2025
The Citizens Advice template letter to make a claim for equal liability from a credit provider helps consumers request a remedy for a faulty item bought on credit, citing section 75 of the Consumer Credit Act 1974. It is part of Citizens Advice’s widely trusted library of open, lawyer-vetted letter templates.
Letter to make a claim for equal liability from a credit provider
[sender name]
[sender address line 1]
[sender address line 2]
[sender email]
[sender phone]
[recipient name]
[recipient address line 1]
[recipient address line 2]
[letter date]
To whom it may concern,
Account number: [account number]
Re: [item description]
Consumer Credit Act 1974 (as amended)
I am writing to you regarding a problem I have with the item that I bought from [retailer name] on [purchase date] at a cost of [purchase amount]. I paid with a credit card.
[describe the product issue] Please also find enclosed copies of letters that I have already sent to [retailer name] to try and sort this problem out.
As you supplied the credit for this purchase, I hold you jointly and severally liable for the breach of contract with [retailer name] under section 75 of the Consumer Credit Act 1974.
You therefore have a duty to offer me the same solution to the problem as I have already asked [retailer name] to provide.
I look forward to hearing your response within the next [number of days] days.
Yours faithfully,
[sender name]
Enc: Copies of letters sent to the retailer
About this template
What is this template?
Letter to make a claim for equal liability from a credit provider by Citizens Advice is a free, ready-to-use Consumer law template you can open, customize, and download on GitLaw. It gives you a professionally structured starting point, so you never have to draft from a blank page. The wording is plain and modern, organized into clear sections that are easy to read, edit, and adapt to your own situation before you share or sign it.
When should you use it?
Reach for this Consumer law template whenever you need a reliable agreement quickly and want to be sure the essentials are covered. It suits individuals, freelancers, startups, and established businesses alike. Instead of paying for a document drafted from scratch, you can start here, tailor the details to your arrangement, and have a polished draft ready in minutes. This version is drafted with England & Wales in mind, though you should always review the final wording against the laws that apply to you.
What's typically included?
A well-drafted Consumer law usually sets out the parties involved, the scope of the agreement, and each side's rights and responsibilities. Expect sections covering key terms and definitions, how long the agreement lasts, how it can be ended, and what happens if something goes wrong. This template brings those building blocks together in a sensible order, so you can focus on the specifics rather than worrying about what to include. Open it to read the full document, then sign up to edit, negotiate, and e-sign it directly in GitLaw.